Insurance requirements for BCN NSHE Contracts

Contractor shall, at contractor’s sole expense, procure, maintain, and keep in force for the duration of the Contract the following insurance conforming to the minimum requirements specified below. Unless specifically noted herein or otherwise agreed to by NSHE, the required insurance shall be in effect on or prior to the commencement of work by Contractor and shall continue in force as appropriate until the latter of final acceptance by NSHE of the completion of this contract or such time as the insurance is no longer required by NSHE under the terms of this contract.

Any insurance or self-insurance available to NSHE shall be in excess of and non-contributing with any insurance required from Contractor. Contractor’s insurance policies shall apply on a primary basis. NSHE reserves the right to require complete, certified copies of all insurance policies required by Contract at any time.

Minimum insurance requirements

The following are minimum insurance requirements for all contracts unless waived by the Risk Management department. 

Commercial General Liability Insurance

$2,000,000 General Aggregate
$1,000,000 Products & Completed Operations Aggregate
$1,000,000 Personal and Advertising Injury
$1,000,000 Each Occurrence to include bodily injury and property damage.

Umbrella or Excess Liability Insurance

Shall be endorsed to state it is “as broad as primary policies.”

Workers’ Compensation and Employer’s Liability Insurance 

Contractor shall provide proof of workers’ compensation insurance as required by NRS 616B.627 or proof that compliance with the provisions of Nevada Revised Statutes, Chapter 616A-D and all other related chapters, is not required.

If work occurs outside of the State of Nevada, by employees who do not live and work in Nevada, proof of the applicable statutory state’s workers compensation insurance must be provided. 

$1,000,000 per Accident or Disease for Employer Liability

Service-specific coverage requirements

Additional coverage types and limits are required depending on the type of service or contract. These requirements are subject to change, based upon the specific services provided.

Business Automobile Liability Insurance (when services include driving activities)

$1,000,000 Each Occurrence 
$5,000,000 Each Occurrence for Charter Services

Coverage shall include owned, non-owned, and hired vehicles. 

Coverage shall be written on the most recent approved ISO form or a substitute providing equal or broader liability coverage.

Professional Liability/Errors & Omissions Insurance (when services include professional services).

$1,000,000 Each Occurrence
$3,000,000 Annual Aggregate

Retroactive date

Prior to commencement of the performance of this contract.

Discovery period

Three (3) years after termination date of contract.

Technology Errors and Omissions/Cyber Liability (when services include software/financial programs)

$3,000,000 Each Occurrence

Contractors’ Pollution Liability (when services include potential for environmental impact)

$1,000,000 Each Occurrence
$3,000,000 Annual Aggregate

NSHE Risk Manager may make exceptions (for higher or lower limits) if it is determined that the exposure is more or less than contemplated by these requirements. 

Other insurance

Exposures related to aircraft, drones, watercraft, financial services, sexual misconduct and hazardous activities will require additional insurance and/or higher insurance limits.  Contact Risk Management at bcnrisk@unr.edu to verify required limits when these types of coverages are indicated.

Additional requirements

Additional Insured

By endorsement to all liability policies except professional liability, the Nevada System of Higher Education on behalf (Campus/College/ Department) shall be named as an additional insured for all liability arising from the contract and be added to the insurance policy as an “additional insured”.

Waiver of Subrogation

Liability insurance and workers’ compensation policies shall provide for waiver of subrogation against the NSHE.

Deductibles/Self-Insured Retention

Any deductible or self-insured retention shall not exceed $100,000.00 per occurrence, unless otherwise approved by a NSHE Risk Manager.

General Conditions

  • Each insurance policy shall be issued by insurance companies authorized to do business in the State of Nevada or eligible surplus lines insurers acceptable to the State and having agents in Nevada upon whom service of process may be made.
  • Contractor must provide the following documents to the NSHE:
    • The Accord 25 Certification of Insurance form or a form substantially similar must be submitted to the NSHE to evidence the insurance policies and coverages required of Contractor. Nevada System of Higher Education on behalf (Campus/College/ Department) shall be listed as the Certificate holder.
    • An Additional Insured Endorsement (ISO form CG20 10 or equivalent), signed by an authorized insurance company representative, must be submitted to the NSHE by attachment to the Certificate of Insurance, to evidence the endorsement of the NSHE as an additional insured entity.
    • Contractor must provide an updated certificate upon policy renewal during the course of the contract term.
    • Contractor shall notify NSHE at least 30 days prior to changing or cancelling any insurance terms that are in place upon the award of this contract. 
    • Contractor shall require their insurers to provide NSHE with a minimum of a 10 day notice of cancellation or non-renewal of each required insurance policy. 

Last updated May 2019